WHEN BORROWING MONEY, WHETHER FROM A FRIEND, A RELATIVE, A LOAN SHARK, OR A BANK, MORE IMPORTANTLY THAN HOW MUCH CASH CAN WE GET ARE:

Realistically, how are we going to pay back the lender, IN FULL, AND ON TIME (preferably early)?

How much interest will we incur?

What changes will we have to make in our lives (and in the lives of the people around us) in order to pay back our obligations?

How much emotional energy (stress, worry, irritability, anxiety, fear, anger), and relationship stress, will this additional financial obligation produce?

Charles Tadros, M.D.

June 4, 2022

Saint Louis, Missouri